Data, which is compiled and analyzed in a national database, shows that
male drivers tend be less able to correctly identify and avoid hazardous situations.
For any age group,
male drivers tend to be charged higher prices for insurance, both for liability as well as comprehensive coverage, compared to female drivers.
CarsDirect points out that until age 55, insurance prices for
male drivers tend to be around 10 percent more, while this gap decreases to 5 percent if the driver is above 55.
Statistical data concerning driving habits and claims rates has proven that
male drivers tend to be more aggressive and more reckless behind the wheel of a car than women will be.
Not exact matches
While anyone can drive without taking the proper precautions of purchasing insurance, typically these uninsured
drivers are 18 - 29
males and they
tend to stick towards driving older cars.
Young female
drivers are considered less risky than their
male counterparts and so pay less for car insurance; the effect is reversed for life and health insurance — women
tend to live longer and utilise more medical services than men, resulting in higher premiums.
Though the index of safe driving
tends to vary and change with time, females are considered to be safer
drivers than
males, and young
male drivers often end up paying about 40 % higher premiums than female
drivers.
According to statistics, young
drivers under 25, especially
males, belong to a high risk group, i.e. those who
tend to make insurance claims more often than any other group of
drivers.
Young
drivers, particularly
males,
tend to drive high - horsepower vehicles like sports cars faster and more aggressively.
And when women do claim, it's typically for minor bumps rather than complete write - offs and the claims
tend to be less expensive than those made by
male drivers.
Gay men
tend to be the worst
drivers out there because they share characteristics of both
male and female
drivers (among other reasons).
Male drivers are often considered a higher risk because they
tend to be more aggressive
drivers, according to various studies.